Mortgage Banker Finance Lines

We specialize in warehouse facilities from $3 million to $50 million for start-up correspondents, broker-to-banker transition, non-delegated correspondents, and delegated correspondents with hedged production. There is no commitment fee or mortgage delivery requirement to Bank of the Sierra, and our simple, secure technology can be interfaced with many loan origination systems.

Your company can establish a mortgage warehouse facility if it has senior management mortgage experience of at least three years, minimum liquidity of $100,000, a maximum leverage ratio of 15:1, and the personal guarantees of owners.

Warehouse Facility Features:

About Us

Bank of the Sierra was established in 1977 and is the premier independent bank headquartered in California’s South San Joaquin Valley. The community-centric regional bank offers a full range of retail and commercial banking services with full-service branches located within the counties of Tulare, Kern, Kings, Fresno, Ventura, San Luis Obispo, and Santa Barbara. The Bank also maintains an online branch, and provides specialized lending services through an agricultural credit center.